Indiana Health Insurance

From peaceful Amish country landscapes to the excitement of the Indianapolis 500, Indiana remains a desirable place to live — and understanding your health insurance options here is key to protecting your health and finances.
As of 2025, the uninsured rate in Indiana reflects improving access to coverage through public programs and the federal marketplace. If you’re currently without coverage, here’s what you need to know about getting insured in Indiana.

Health Insurance Options in Indiana

Indiana offers a range of health insurance options tailored to residents’ needs, depending on age, income, employment, and family size. Here are the most common coverage types available:

Employer-Sponsored Insurance

Many Indiana residents receive health insurance through their employer. If your workplace offers coverage, this is usually the most cost-effective and convenient option.

ACA Marketplace Plans (Healthcare.gov)

Individuals and families without employer-sponsored insurance can shop for coverage through the federal ACA Marketplace at Healthcare.gov.
Subsidies may be available to reduce premium costs. You can check your eligibility using our ACA Subsidy Calculator.

Starting this year, the Centers for Medicare & Medicaid Services (CMS) is requiring income verification to confirm eligibility for premium subsidies. As part of this effort, CMS will reduce the ACA subsidies by $5 per month for individuals who are automatically re-enrolled in fully subsidized plans without verified eligibility.

Marketplace Plans:

• Bronze: Low monthly premiums and high out-of-pocket costs; ideal for minimal healthcare usage.
• Silver: Moderate premiums and cost-sharing; eligible for cost-sharing reductions.
• Gold: Higher premiums with lower out-of-pocket costs; suitable for people with regular medical needs.
• Platinum: Not currently available in Indiana.

Metal Tier Breakdown:

Short-Term Medical Plans

Short-term medical (STM) plans offer temporary health coverage and can be a practical solution for individuals who are between jobs, recently lost employer coverage, waiting for ACA or Medicare eligibility, or need affordable protection during a coverage gap.

These plans are available in this state and follow federal rules, but they are not regulated by the ACA. That means they can deny coverage based on pre-existing conditions and typically do not include comprehensive benefits like maternity, mental health, or preventive care.

While short-term medical plans are not a substitute for long-term health insurance, they may be ideal in situations where you’re temporarily uninsured—such as after job loss or before new coverage begins—and want short-term protection from unexpected medical events.

STM Plan Enrollment

Unlike ACA-compliant plans, you can enroll in short-term health plans year-round.

Quick Coverage Start: Many short-term plans can begin as soon as the next day after your application is approved.

Medicaid

Indiana’s Medicaid program is known as the Healthy Indiana Plan (HIP). It provides free or low-cost coverage for eligible low-income adults and families. Covered services typically include preventive care, doctor visits, hospital stays, mental health services, prescriptions, and more.

Student Health Insurance

College students in Indiana have several health insurance options. They can stay on a parent’s plan until age 26, enroll in a school-sponsored plan, or apply through the ACA Marketplace. Depending on income, some students may qualify for Medicaid, CHIP, or low-cost catastrophic or short-term coverage — making Indiana student health insurance accessible and adaptable.

Children’s Health Insurance Program (CHIP)

Indiana’s CHIP is called Hoosier Healthwise. It provides affordable coverage for children and pregnant women in families that earn too much to qualify for Medicaid but still need help affording insurance.

Medicare

• Medicare Advantage (Part C)
  • Medicare Advantage is an alternative to Original Medicare offered by private insurers to those enrolled in Parts A and B. These plans often include extra benefits and cost protections but typically require using a specific network of providers.
• Prescription Drug Plans (Part D)
  • Medicare Part D provides prescription drug coverage for anyone with Medicare, helping pay for medications and many vaccines. Offered by private insurers, these plans vary in cost and coverage and can be joined during specific enrollment periods.
• Medicare Supplement (Medigap)
  • Medicare Supplement plans, or Medigap policies, help cover the out-of-pocket costs that Medicare Part A and Part B don’t pay. Since Original Medicare (Parts A and B) lacks an out-of-pocket maximum, these plans can limit your expenses for medical services.

COBRA Coverage

If you’ve recently lost employer-sponsored health insurance, COBRA allows you to temporarily continue the same plan. This option can help you avoid a coverage gap while transitioning to new insurance.

Enrollment Periods in Indiana

Open Enrollment for 2026 Coverage:

November 1, 2025 – January 15, 2026
During this window, all eligible residents can apply for, renew, or change their Marketplace health plans.

Special Enrollment Period:

Available year-round for individuals experiencing qualifying life events, such as:

• Loss of coverage
• Marriage or divorce
• Birth or adoption of a child
• Relocation
• Major change in income

You typically have 60 days from the event to enroll in a new plan.

Health Insurance Providers in Indiana

As of 2025, these insurers typically offer individual and family plans through the federal Marketplace:

• Anthem Insurance
• CareSource Indiana
• Ambetter from MHS Indiana (Celtic Insurance Company)
• US Health and Life Insurance Company

Plan availability may vary by county or ZIP code. Some insurers may also offer standardized plans if Indiana introduces a public option or similar initiative.

Understanding Health Insurance Costs

When comparing health plans, it’s important to understand key cost-sharing terms:

• Premium: The monthly amount you pay to maintain coverage.
• Deductible: The amount you pay before your insurance starts to pay for services.
• Copayment (Copay): A flat fee you pay for certain services like doctor visits or prescriptions.
• Coinsurance: The percentage of costs you share with your insurer after meeting your deductible.
• Out-of-Pocket Maximum: The maximum amount you pay annually for covered services.
• In-Network vs. Out-of-Network: Using in-network providers helps reduce your costs and avoid surprise billing.

Understanding health insurance doesn’t have to be overwhelming. This glossary offers clear definitions of key terms—from agents to costs like copayments, coinsurance, and deductibles—to help you make confident coverage decisions.

Bottom Line

Health insurance in Indiana comes with many options — from job-based plans to Marketplace coverage and public programs like Medicaid and Medicare. By understanding your choices and taking action during key enrollment periods, you can find the right coverage to protect your health and financial future.

Need help choosing a plan?
Use our ACA Subsidy Calculator to estimate your savings or speak with a licensed insurance agent to explore your coverage options.